Star One Credit Union

Star One Credit Union is one of Silicon Valley's largest, member-owned financial institutions. Star One offers financial services to more than 111,000 members worldwide. With assets over $9 billion, Star One is ranked 17th in total assets among nearly 5,700 credit unions nationally.

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    How do Star One Credit Union auto loans work?

    The auto loan rates at Star One Credit Union are fairly reasonable, with some loans starting as low as 2.75%. A new or used car loan will be anywhere from 2.75% to 6.75% for a loan of $30,000 or more, and 2.95% to 6.95% for less.

    Credit score

    The interest rates vary depending on your credit score, and you may be denied the loan if it’s too low.

    How much can you borrow?

    If you want to take out the best auto loan with Star One Credit Union, you can get new car loans with up to 100% financing of the purchase price plus tax, license, and service contracts.

    What types of vehicles are eligible for financing?

    Auto loans from Star One Credit Union cover most cars (including classics and Teslas) SUVs, trucks, motorcycles, recreational vehicles, and boats.

    How do I qualify?

    There are stipulations to joining this credit union, and Star One only offers membership to:

    • Individuals who live, work or attend school in Santa Clara County, California
    • Individuals who live, work or attend school in Alameda County, Merced County, Monterey County, San Benito County, San Joaquin County, San Mateo County, Santa Cruz County, and Stanislaus County, California
    • Employees of corporate partners
    • Retirees of Lockheed Martin
    • Immediate family members of current Star One members
    • Star One Credit Union employees

    What documents do I need?

    Be sure to gather your essential documents before applying. At Star One you’ll need your social security number, your driver’s license, and proof of employment.

    What are the fees?

    Star One Credit Union proudly states that there are no late fees.

    How long does the loan process take?

    The application process takes but a few minutes, and then the money will be in your account within 5 working days.

    How to apply for an auto loan?

    Star One has a stellar process for applying online, but if you’d like to talk to someone there’s a customer service line.

    What payment methods are supported?

    You can use just a bank transfer or credit card to make payments.

    Pros and Cons


    • A well-known and large national company
    • Reasonable prices


    • If you don’t live or work in the area you aren’t able to become a member

    Is Star One Credit Union right for you?

    The Star One Credit Union is a well-respected organization that has earned its good reputation.

    If you live in any of the relevant counties, I’d recommend Star One as the rates and coverage are very good.

    However, if you’re not from near the Santa Clara area you won't be able to sign up.

    If this is the case, I’d suggest having a look at the My Auto Loan or Capital One websites, as they offer similarly competitive rates, but are available nationwide.